Completing the QILDRO

for Active IMRF Members
Forest pathway

To properly complete your QILDRO, you need the following:

Choosing the benefit types to include in your QILDRO

Please remember that even if a QILDRO specifies a certain benefit type, it does not require you to take that benefit type if another choice is available to you.

For example, if your QILDRO states that your alternate payee is to receive part of your retirement benefit, if you choose to forfeit your pension and take a separation refund instead, you can do so. This means that your alternate payee will not receive any portion of your retirement benefit because there is no longer a retirement benefit to pay. In addition, your alternate payee would not receive any portion of your refund unless you have also completed the separation refund section of the QILDRO.

To ensure your alternate payee receives the portion of your IMRF benefits that your negotiation efforts intend, fill out all sections of the QILDRO that could potentially apply to your future situation.

Choosing the calculation method for each benefit type

Each benefit type you are dividing has a separate section on the QILDRO form you will need to fill out. If you are not dividing a certain benefit, leave that section of the QILDRO form blank.

Even if you leave a section blank, you will still need to submit the entire QILDRO form, including any blank sections, or it will not be accepted by IMRF.

Decisions for your QILDRO Benefit Information

If you are dividing... What you need to decide...

Retirement benefits
(monthly pension payments)
QILDRO Section III

1. Which calculation method you are using:

  • Flat dollar amount.
  • Percent of marital portion.
  • Percent of gross benefit amount.

2. When your alternate payee's payments will terminate.

3. If you are already retired, you need to decide when the alternate payee's payments will begin.

If you leave Section III blank, your alternate payee will not receive any part of your monthly pension (current or future).

Annual Increase
to monthly pension payments
QILDRO Section IV

If your alternate payee's share of your pension will be recalculated every year to include a proportionate share of the annual increase.

If you are not dividing a retirement benefit (Section III), leave Section IV blank.

If you completed Section III, you must choose an option for Section IV.

Refund upon termination
(separation refund)
QILDRO Section V

Which calculation method you are using:

  • Flat dollar amount.
  • Percent of marital portion.
  • Percent of gross benefit amount.

If you leave Section V blank, your alternate payee will not receive any part of any future separation refund you may take.

Partial Refund
(refunds at retirement)
QILDRO Section VI

 

Which calculation method you are using:

  • Flat dollar amount.
  • Percent of marital portion.
  • Percent of gross benefit amount.

If you leave Section VI blank, your alternate payee will not receive any part of any refund at retirement you may take.

Death Benefits
(lump sum only)
QILDRO Section VII

Which calculation method you are using:

  • Flat dollar amount.
  • Percent of marital portion.
  • Percent of gross benefit amount.

If you leave Section VII blank, your alternate payee will not receive any part of your lump sum death benefits.

For detailed information about these benefits, review the other pages linked in the Table of Contents at the top right of this page. Also review the benefit information for your IMRF plan and tier at www.imrf.org.